…In the late 1990s, the term “toxic mold” found its way into media coverage and a handful of courtrooms. A few victims reported a frightening array of symptoms, from severe memory loss to infections and bleeding gums.
In a country where fear is second only to sex as a hot sales tactic, household mold, which has always been in the environment, soon became, in Kramer’s words, “toxic, dangerous, a killer.” While mold can be dangerous to the infirm, an opportunistic group of plaintiff’s attorneys convinced juries of an exaggerated threat — to the healthy. Awards by juries in Texas, California, Oregon and several other states exploded into massive figures, topped by $32.1 million the Ballard family of Texas was awarded in 2001 when their home was inundated with mold.
Builders and insurance agents feared that they would have “another asbestos” on their hands, an area of litigation that grew so huge, so vague — and so lucrative for lawyers — that some now refer to it as the “Asbestos Blob.” Construction companies, home insurers, health insurers and contractors decided to fight back against claims of health problems and property damage caused by mold, arguing that there is very little scientific or medical proof that household molds make people seriously ill.
But their side didn’t have Sharon Kramer. With Kramer as its Erin Brockovich and her daughter as a starring victim, a mold war exploded, with California at its center. By 2001, water-damage claims in California — driven by the discovery of mold — skyrocketed by a third, to $430 million of all homeowner-insurance claims paid, according to the Insurance Information Network of California. The average claim surged 80 percent from 1998 to 2001, to $4,730, to remove what, mere years earlier, had often been scrubbed away with a little Dutch Cleanser. The Mold Blob had arrived, and by 2002, insurers reported $3 billion in annual losses nationwide — paid as settlements for personal-injury claims and property damage caused by mold.
One of those demanding justice was Kramer, whose sickly teenage daughter was nearly killed by a household fungus that is innocuous to the healthy. A Realtor in exclusive Rancho Santa Fe, Kramer became an outraged gadfly and self-appointed mold researcher. She grew enraged by papers written by mold experts who sided with insurers and contractors in saying household mold isn’t particularly dangerous.
Like those who would later join the cause, including Johnny Carson sidekick Ed McMahon, she saw a conspiracy funded by businesses out to end mold claims while risking the public’s health. She believed that the well-being of thousands depended on her exposing that deceit. Like the fight waged by McMahon over the death of his dog purportedly from mold, Kramer’s belief has consumed her. It has wiped out her comfortable suburban life and financial security and driven away all but her truest friends.
But the great mold scare never rose to the level of accepted epidemic among serious researchers. Despite public hysteria that continues even now, science today finds no direct link between mold and serious illness in people with normal immune systems.
The Centers for Disease Control now says: “There are very few reports that toxigenic molds found inside homes can cause unique or rare health conditions such as pulmonary hemorrhage or memory loss” — the kinds of illnesses claimed in successful lawsuits at the height of the mold rush. “These case reports,” the CDC warns on its Web site, “are rare, and a causal link between the presence of toxigenic mold and these conditions has not been proven.”